South King County’s super-jumbo tier is small but genuine. At the top of the Meridian Valley Country Club — the gated golf community that represents Kent’s most exclusive residential address — estate-scale custom homes on premium lots, large acreage parcels, and the most architecturally significant builds can reach total values that require portfolio financing well above the standard Jumbo range. Beyond Meridian Valley, South King County’s broader acreage estate market — custom builds on five or more acres in the Covington, Maple Valley, and Black Diamond corridors with Cascade Mountain views and genuine privacy — occasionally produces transactions at the super-jumbo tier for buyers who prioritize land, setting, and a lifestyle that no in-city neighborhood can replicate.
At the super-jumbo tier, portfolio lending is the only path: no agency framework applies, each lender underwrites on its own book, and the transaction is built around a thorough, individualized view of the borrower’s financial profile. I work with the portfolio lender relationships and the South King County market knowledge needed to serve buyers at this level.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every transaction is portfolio lending — each institution sets its own guidelines, and the right lender match depends on the specific combination of borrower profile and property type. In South King County, super-jumbo transactions are concentrated in the Meridian Valley Country Club’s most exceptional estate properties and in the broader acreage market east and southeast of Kent.
Key Features:
Loan amounts from $3 million and above
Portfolio lending — no Fannie/Freddie constraints
Asset-based and asset depletion income programs
Alternative documentation for self-employed and complex-income borrowers
Primary residences, second homes, and vacation properties
South King County and Cascade foothills property experience
Discreet, high-touch service throughout
For Meridian Valley Country Club and other premium South King County gated properties
Portfolio lenders with experience in golf community and private estate real estate in the Pacific Northwest
Flexible reserve structures for executives, retirees, and asset-rich buyers
Primary and second home programs
Qualifying income calculated from investable assets rather than W-2 earnings
Designed for retirees and high-net-worth buyers whose wealth is held in portfolios, retirement accounts, or prior equity events rather than current employment income
A primary tool for Boeing career retirees, aerospace industry veterans, and business owners who have sold or transitioned their companies
For buyers acquiring five or more acres in Covington, Maple Valley, Black Diamond, and the Cascade foothills east of Kent
Portfolio and non-QM programs for complex property types
Custom build and existing estate financing available
For fully custom builds on Meridian Valley lots and premium South King County acreage parcels
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Meridian Valley Country Club — The most exclusive residential address in South King County. Meridian Valley is a private golf club community in southeast Kent where custom estate homes occupy golf course-adjacent lots and private parcels within a gated setting. The combination of community infrastructure, privacy, golf access, and proximity to South King County's amenity base creates a residential tier unlike anything else in the area. The most significant Meridian Valley estate properties — large lots, expansive custom builds with high-end finishes — reach super-jumbo territory for buyers at the top of the market.
Covington and Southeast King County Acreage — The communities east and southeast of Kent — Covington, Maple Valley, Black Diamond, and the Cascade foothills — offer a category of residential real estate that South King County's urbanized western neighborhoods cannot provide: genuine acreage, forest, creek corridors, and mountain views, combined with reasonable proximity to Kent's employment centers and South King County's transportation network. Estate-scale acreage builds on five to twenty or more acres in this corridor occasionally produce super-jumbo transactions for buyers who want the full Pacific Northwest rural estate experience within reach of the metropolitan area.
Direct relationships with portfolio lenders who understand South King County luxury real estate, golf community property valuation, and Pacific Northwest acreage estate markets
Experience with the buyer profiles most common at South King County's super-jumbo tier — Boeing and aerospace career executives, business owners, retirees with substantial portfolios, and buyers seeking acreage with privacy
Asset depletion and asset-based income programs for buyers whose wealth is in portfolios and retirement accounts rather than current employment
Discretion and personalized service throughout the process
Single point of contact from pre-qualification through closing
20+ years of experience — NMLS #235295
Substantial Net Worth — Portfolio lenders evaluate the complete financial picture. Net worth relative to loan size, liquidity, and post-close reserves are all central to underwriting.
Post-Close Reserves — 12 to 24 months of PITI in liquid or near-liquid assets is typical at the $3M+ tier.
Income Documentation — Retired buyers and high-net-worth individuals with investment income benefit significantly from asset depletion programs. Executives and business owners use W-2s, tax returns, CPA letters, and entity financials as appropriate to their income structure.
Property Approval — Golf community estates, large acreage parcels, and custom builds in rural settings require lenders experienced with these property types and South King County's real estate market.
Initial Consultation — A private conversation about your financial profile, target property, and timeline.
Lender Matching — I identify the right portfolio lender from my network based on your profile and property type.
Documentation & Underwriting — Thorough review, guided throughout by a single point of contact.
Appraisal Coordination — South King County super-jumbo appraisals — particularly golf community estates and acreage properties — require appraisers with genuine local market knowledge and experience with limited comparable sales environments.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Yes. Asset depletion programs calculate qualifying income from your portfolio value divided over a defined drawdown period — a practical and lender-accepted approach for buyers whose retirement assets are substantial relative to the purchase price. This is one of the most common qualifying structures for South King County's super-jumbo buyer profile.
Yes. Super-Jumbo One-Time Close Construction programs cover estate-scale custom builds at Meridian Valley, including land acquisition and construction in a single loan with rate locked at origination. These programs accommodate the longer build timelines typical of high-end golf community construction.
Yes. Portfolio lenders can finance acreage estate properties in Southeast King County. The appraisal process for rural estate parcels requires appraisers with experience in comparable acreage sales in the Cascade foothills region; I coordinate this as part of the transaction.
Super-Jumbo transactions benefit from early engagement. Let’s have a confidential conversation about your property and financial profile.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
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